In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert
Finder makes money from featured partners, but editorial opinions are our own.
Bankwest Breeze Classic Mastercard
Go to site
Terms and conditions apply
Balance transfer rate for 12 months with 2% balance transfer fee
0% p.a.
Purchase rate for the first 12 months (reverts to 12.99%)
0% p.a.
Annual fee
$49 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

A low-cost credit card offering 0% interest on purchases and balance transfers for 12 months, with a 2% balance transfer fee.

The Bankwest Breeze Mastercard offers you a way to save on new and existing credit card costs, with 0% interest on purchases and balance transfers for 12 months.

Pros

  • 0% p.a. on purchases for 12 months, then 12.99% p.a.
  • 0% p.a. on balance transfers for 12 months
  • Digital card issued upon approval

Cons

  • Charges a 2% balance transfer fee
  • Charges a 2.95% foreign transaction fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert

The Bankwest Breeze Classic Mastercard is a simple, low rate credit card that currently offers new customers 0% p.a. interest for 12 months on purchases and balance transfers, with a 2% balance transfer fee.

Details

Product details

Product Name Bankwest Breeze Classic Mastercard
Balance transfer rate p.a. 0% for 12 months with 2% balance transfer fee, then 12.99%
Balance transfer limit 95% of available limit
Purchase rate p.a. 0% for 12 months, then 12.99%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 21.99%
Min credit limit $1,000
Card type Mastercard

Eligibility

Available to temporary residents No
Minimum income $15,000
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee $49
Minimum monthly repayment 2% of the closing balance or $20, whichever is greater
Late payment fee $25
Foreign currency conversion fee 2.95%
Cash advance fee 3% or $4, whichever is greater
Overseas cash advance fee 3% or $4, whichever is greater
Overseas ATM withdrawal fee $4
Additional cardholder fee $0
Number of additional cardholders 3

How to apply

You can apply for the Bankwest Breeze Mastercard online in around 15 minutes. Before you get started, make sure you meet the eligibility requirements and have all your supporting documentation ready to go.

Eligibility criteria

  • Minimum income. You must earn at least $15,000 per year.
  • New customers. The introductory offers on this card are only available to new customers.

Card benefits

  • 0% balance transfer offer. This card offers 0% p.a. interest on balance transfers for the first 12 months, with a 2% balance transfer fee. After that, any remaining balance will attract the card's 12.99% p.a. balance transfer rate. While there is no specified date that this offer will end, it's only available for a limited time. Also be aware that you still need to meet the card's repayment requirements during the introductory period.
  • 0% purchase rate offer. You'll pay 0% p.a. interest on new purchases for the first 12 months you have this card. After that, a purchase rate of 12.99% p.a. applies to your purchase balance. Note that you still need to meet repayment requirements during the interest-free period.

Rates & fees

  • Annual fee. This card charges a $49 annual fee.
  • Cash advance interest rate. This card has a cash advance rate of 21.99% p.a., which is applied from the time the transaction is made.

Your reviews

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Amy Finder

Editor

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Raymond

September 25, 2023

Hello Amy,


I wonder if the age pension is considered as constituting a valid source of income within the context of an application for this card.

[REDACTED]

Wondering if an application like this would be acceptable.


Thank you,

Raymond


Avatar

Amy Bradney-George Finder

September 28, 2023

Hi Raymond,

Bankwest accepts credit card applications from people who receive the pension. For proof of income, you would need to provide your most recent pension statement with details of current payments. You would also need to meet the other eligibility requirements and provide all the requested information about your circumstances – we’ve included some details about it on this review. If you have more specific questions about applying for this card, you can also contact Bankwest on 13 17 19. I hope this helps.


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Anita

August 11, 2023

Currently gone from fulltime to casual work.

Will I be eligible for a credit card as bank up for travel?

What are my options ?


Avatar

Amy Bradney-George Finder

August 14, 2023

Hi Anita,

You would need to show a regular income of over $15,000 per year to be eligible for this card, which could include payslips from casual work. But if your work situation has recently changed, you may want to call Bankwest on 13 17 19 to discuss your situation in regards to applying for this card. Finder also has a guide to low income credit cards, which has insights about credit card income requirements that may be of assistance. I hope that helps.


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Ankit

August 02, 2023

Hi, I have a personal loan with an outstanding amount of approx $9400. Can you please suggest me a good balance transfer credit card which also do balance transfer for personal loans?


Many thanks,

Ankit


Avatar

Amy Bradney-George Finder

August 04, 2023

Hi Ankit,

Please keep in mind that Finder only provides general advice and factual information. But you can compare credit cards that allow balance transfers from personal loans in Finder’s guide, which also includes more details and insights that may be of assistance. I hope this helps.


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Brooke

August 02, 2023

Hi there,

Wondering if I can transfer my husband’s credit card debt as a balance transfer to this card if his card is solely in his name? Thank you.


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Amy Bradney-George Finder

August 07, 2023

Hi Brooke,

According to the Bankwest balance transfer terms and conditions, you can request a balance transfer for your husband if he is added as an additional cardholder on the Bankwest card. The balance would also need to be from a non-Bankwest Australian credit card or store card. I hope this helps.


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Bailey

August 01, 2023

Hi,

I’m a full-time student who works casually at a workplace since March. So far, I’ve made approx $10k gross working there, though work less now. I also receive centrelink payments each fortnight.

Concerns are, work is ‘casual’ not ‘part-time’, but I work consistently every week, regular shifts each week.

Wondering how this would affect an application?

Thank you


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Amy Bradney-George Finder

August 07, 2023

Hi Bailey,

The wording on the Bankwest website is “regular income of over $15,000 a year”, rather than “part-time” or anything else. So you would need to provide evidence of that. But it’s a good idea to call Bankwest on 13 17 19 to discuss your situation, as you’ve been working with your current employer for less than a year. Finder also has a guide on student credit card options with more details specific to students. I hope this helps.


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